An Indexed Annuity Tool, 1035 to an IUL, a SECURE Act Idea, Living Benefits Comparison, Term Conversion, and a Multi-generational Living Benefit, TOO!

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February 17, 2020 

Insurance Designers of America, LLC
Gregg Janes
Vice President of Marketing
AIG Offers Clients the Power of Rising Income
Explore this online tool highlighting the potential advantages of The Power Series of Index Annuities with a Lifetime Income Plus Flex guaranteed living benefit rider. Compare features, determine how much a client’s income can increase each year, and see the difference rising income may make. 

Explore the tool, after logging in.  It takes less than 60 seconds to register for this site and it will be worth it!

Considering a 1035? Look at Symetra Accumulator IUL
With increasingly complex policy features and crediting rates, no one can accurately predict how an indexed universal life (IUL) product’s actual performance will compare to its illustrated performance. With that in mind, it’s important to consider how policy design and different performance scenarios can affect future distributions. That’s why Symetra Accumulator IUL, with its straightforward features and guarantees, merits serious consideration for 1035 exchanges.
AIUL Merits of IUL in 1035 Exchange
The SECURE Act and IRAs from John Hancock
IRAs and qualified plans are designed to be retirement assets, not legacy assets. For many high-net-worth clients may end up not being needed to meet retirement income needs, and are thus are earmarked for heirs. Because these accounts were funded on a tax-deferred basis, they don’t receive a step-up in basis at the participant’s death, but rather distributions are taxable at the beneficiary’s tax rate. To help mitigate this tax bite, under prior law, clients would take advantage of special rules allowing these taxable distributions to be “stretched” over the lifetime of the beneficiary.
Under the new SECURE Act, plans must generally be distributed within 10 years of being inherited, essentially bringing the end to the stretch IRA concept. Now is the time to talk to your clients about this new law, especially those who do not need their retirement accounts to support their retirement.

Go here for our material.

The Need for Predictable Living Benefits
When planning for their financial future, clients want to know that some things are predictable. Take a look at how three methods of living benefits compare, and how the straightforward lien method used by Columbus Life helps offer a predictable living benefit.

View the guide.

Power Up Your Clients’ Coverage

Let Pacific Life’s attractive conversion product strengthen your PL Promise Term life insurance sales. Consider the benefits of PL Promise Conversion UL – with its guaranteed no-lapse universal life design, return of premium feature in policy years 15, 20, and 25, early conversion incentives and more – when choosing a term life insurance carrier with your clients. Check out these materials to learn more:

A Tax-Efficient Gift to Help Benefit Generations to Come
In addition to providing death benefit protection, life insurance can be a financial resource for multiple generations of a family. Learn about a gifting strategy that can help support the purchase of a life insurance policy and potentially provide living benefits for generations to come.
Learn more with the “A tax-efficient gift to help benefit generations of your family” sales idea (after login) from Allianz.
Insurance Designers of America, LLC
Gregg Janes
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(678) 866-1670
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